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Florists Insurance

Keeping your stock fresh is important in the daily running of your business. The right insurance policy will help to keep your doors open and your stock protected.

We’re passionate about helping florists like Flourish in Manchester (pictured above) protect their shops. For most quotations we are able to compare the offerings from a panel of UK based insurers, who provide cover for florists through their retail insurance policies. We have a team of experienced sales representatives who are available to offer advice and guidance on the type of cover a florist typically needs, along with finding a competitive premium that meets your requirements.    

  If you find your business needs are considered to be outside of the usual areas covered by the insurers’ products, then we can still usually offer help. This includes:

  • Premises with flat roofs.
  • Risks with high sums insured.
  • Start-up businesses.
  • Proposals that have had large claims (including fire or flood).

Please note we are unable to offer quotations to businesses located in Northern Ireland.

You Could Save Over 15% With Us*

Mon-Fri: 8am - 6pm

Call our team to receive a no obligation, instant quote today.

Quote line: 0330 134 4564

Standard Covers**

  • Contents insurance

  • Accidental damage

  • Glass cover

  • Business interruption

  • Employers' liability

  • Public and products liability

  • Book debts/account receivable

  • Money in safe

  • Money on premises

Optional Covers**

  • Legal expenses

  • Subsidence

  • Loss of rent receivable

  • Tenants improvements

  • Terrorism

  • Embedded breakdown

  • Goods in transit

  • Buildings cover

Premiums from as little as £224.00

In the past 12 months our customers have paid as little as £224.00*** per annum for florist insurance.

Over 60%**** of our florist customers paid less than £350 per annum in the past 12 months.

Why Insurance is Important for Florists

When it comes to running your own business, it may seem that there aren’t enough hours in the day to do everything you need to do. However, one thing that you should never overlook is business insurance. The insurance we provide aims to protect the florist’s business and essentially their livelihood.    

You may feel that you have planned for all the possible issues that could arise, however there is always a chance that something will crop up and take you by surprise. By having the right level of cover you can protect yourself, your staff, and your business should the unforeseen happen. Typically protection for florists will include cover for buildings and contents, public liability, loss of money, goods in transit, business interruption, and employers liability.

Speak with an insurance expert about your business and they can help you to understand what cover you may need for your business, so that should the unfortunate happen and you need to make a claim, your business will be protected.

About the Florist Industry

Flowers can make the celebration of those special and memorable occasions in your life. Perhaps this is why the floristry industry continues to thrive. While there are specialist florist providers and retailers selling flowers too, there are still many independent florists on the “high street”.

They come in a variety of types from sole trader florists working alone, to those that own their own premises, and employ staff. Weddings, birthdays, get-well-soon wishes or even just to say that you are thinking of someone, a beautiful bouquet of freshly cut flowers delivered to you is a wonderful surprise.

Terms and Conditions
* We randomly surveyed 54 new business policyholders (12.5%) with insurance start dates between 12 April 2019 and 1 August 2019. 93% made a financial saving by moving to smei, with an average saving of 15.96%. This data excludes commercial and residential insurance for landlords.

** Standard and optional cover may differ dependent upon insurer.

*** Data compared from 151 policies sold between November 2017 and November 2018.

**** Based on 151 policies sold between November 2017 and November 2018, 97 customers paid less than £350.

HOW DO I GET MY DOCUMENTS?

Once you have purchased your policy, you will be sent an email and sms with a link to your policy documents. They are also accessible by logging into the smei site and logging into your profile where all your policy documents are stored. If for any reason you cannot print your documents off or have technical issues then please call us on 0330 134 4600.

WHAT DETAILS WILL YOU NEED TO KNOW ABOUT MY BUSINESS?

It is helpful to have any previous insurance policies handy, and any renewal documentation or information you have got so far. It doesn’t matter if you don’t have them though, we will guide you through the relevant questions. Basic details about your business and property will be needed, if you have any tools or stock to insure for example, their value would be required also.

DO YOU COME OUT TO EVALUATE MY PREMISES AND BUSINESS WHEN PROVIDING A QUOTATION?

No, in most instances no one will come out to your premises. The quotation is based on what you tell us about your premises and business. It is up to you to inform us of anything you think may affect your insurance quote, information provided should be accurate and honest. However, on rare occasions the insurer may choose to visit your premises.

WHAT FLORIST IS FEATURED ON THIS PAGE?

We set out to find a group of businesses who embodied everything we love about our local high street. Following our search, we picked a group who know exactly what it means to run a small independent business. Flourish in Manchester is one of our high street heroes. You can visit their website here: www.flourish.company

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Cover if your stock or materials are lost, stolen or damaged

Cigarettes and Tobacco

£

Photographic Equipment

£

Wines and Spirits

£

Clothing

£

DVDs, Blu-rays, CDs and Video Games

£

Jewellery

£

Electrical Equipment

£

All Other Stock

£

Please enter amount

£

This may include movable furniture, fixtures and other equipment with no permanent connection to the structure of the building.

Please enter amount

£

If you are a tenant you will be responsible for any improvements you have made.

Please enter amount

£

If yes, please enter amount. How much would it cost to rebuild your shop if it was badly damaged or destroyed entirely?

£

You Could Save Over 15% With Us*

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Direct quote line

Call our team to receive a no obligation, instant quote today.

Call the quote line: 0330 134 4564

Mon-Fri: 8am - 6pm

Related Articles

How do you create an award-winning florist that stands out from the crowd?

We spoke to Anthony Cox, owner of Manchester-based – and aptly-named – Flourish, to find out how his award-winning business has become a focal point for his busy high street.

Posted 10/12/2018
Feefo Reviews
90%

of our customers would recommend our service based on Feefo

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Customer Testimonials
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As a previous customer of smei, they contacted me regarding my premium this year and got me an amazing price. Gentleman I dealt with was brilliant, and not too pushy to take on the insurance.

Mrs Sarah Walton

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